What is Title Insurance?  

Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of defects in the title to the property.

When a property is financed, bought, or sold, a record of that transaction is generally filed in public archives, along with other events that may affect the ownership of a property, like liens or levies. While a title search does due diligence during any property transaction, mistakes can be made and things can be missed. After all, a home or property has been owned by numerous people stretching back a century or more.

What Does Title Insurance Protect Against?

The title company searches public records to determine the property’s ownership status and to find – and remedy, if possible – several types of ownership issues. Title insurance protects you from these unforeseen legal and financial title discrepancies, as well as the costs, attorney’s fees, and expenses of defending against those defects insured by the policy. Likewise, title insurance can protect you from financial loss if the sale of your home falls through due to a covered defect in the property’s title.  

Because for many people the purchase of a home is the largest single investment that they will make, it makes sense to protect it. An owner’s title insurance policy protects from possible errors, and from future claims or undiscovered interests. As with any insurance, there are some risks that may not be covered under your policy. For example, this type of insurance does not protect you against anything found during an inspection of your property. Also, it does not insure against any title issues that you are already aware of.

Are There Different Types of Title Insurance?

An Owner’s Policy is usually purchased by the home seller on behalf of the home buyer, while a Lender’s Policy is purchased by the homebuyer on behalf of the lender before the home loan is issued.  Both types of title insurance policies ensure a clean and clear title, protecting the insured from the financial and legal burdens of unforeseen title issues.

Your owner’s title insurance policy protects your ownership rights as long as you or your heirs have an interest in the home. Just like a homeowner’s policy will protect against loss from theft or fire and wind damage, the home title insurance protects from hidden title hazards that threaten the owner’s financial investment in the home. At Venture Title Services, our innovative approach, cutting-edge technology, relaxed culture, and outstanding customer service set us apart. Contact us today for your title needs.

More From Venture Title Services



This place is an amazing place to get your home titles done. This was my first time buying a house and the ladies there are fantastic. They explained everything I needed and answered all questions I asked.

Mike S.



This company went above and beyond to help rectify an issue that came up after closing.

Tyler H.



Absolutely the best customer service I have ever experienced! I was in real estate for over 10 years and have very high expectations. I would HIGHLY recommend them for all your needs.

Debbie K.



I'm glad I close all my loans with you. This is the best title company I've ever worked with. I recommend anyone to use them for all your title needs.

Eddie T.



They have handled about a dozen real estate transactions for me. Always efficient, courteous, professional and make it effortless on my part.

Kevin M.

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